Bank Analysis School - Case Study & Resources

ASSET SIZE & GROWTH

Sunny State Bank

Asset Size - Bank vs. State Median

Asset Size Over Time

$100M

Quarter

20 X5 Q 4

Bank

State Median

$180M

$80M

$160M

$140M

$60M

$120M

$100M

$40M

$82,223,000

$80M

$60M

$20M

$40M

$20M

20 X9 Q4 20 X0 Q4 20 X1 Q4 20 X2 Q4 20 X3Q4

20 X4 Q4 20 X5 Q4

Total Assets Annual Growth Rate

Net Loans Annual Growth Rate

24.0%

8.0%

7.1%

8.2%

20.9%

20.0%

6.0%

3.9%

16.0%

4.0%

2.3%

Metrics

12.0%

2.0%

Bank

6.9%

8.0%

0.0%

State

(1.0%)

3.9%

4.0%

(2.0%)

All Banks

1.0%

2.1%

0.0%

(4.0%)

(0.7%)

(4.5%)

(5.0%)

(2.7%)

(4.0%)

(6.0%)

20X9Q4

20x0Q4

20 X1Q4

20 X2Q4

20 X3Q4

20 X4Q4

20 X5Q4

20X9Q4 20 x0 Q4 20 X1 Q4 20 X2 Q4 20 X3 Q4 20 X4 Q4 20 X5Q 4

Asset Size Qtr

The risk management practices suggested in regulatory guidance are often based on the size and risk profile of a bank, making it important to be aware of the relative size of a bank. Something to keep in mind is that it can be difficult to achieve asset growth without taking on risk. E.g. loosening loan underwriting standards to grow loan volume, funding asset growth with wholesale sources, etc. The total assets and net loans growth rates measure growth over the past 12 months (keep in mind that mid-year quarters will capture some growth from the prior calendar year).

20 X5Q4